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A Robo Advisor (RA) is a fully automated investment advisory service. Its development in recent years has been very relevant within the financial industry. Although most RAs comply with most investment principles (diversification, cost efficiency, personalization and contextualization of investment opportunities to the current environment), their need for standardization reduces their ability to find portfolios that fit the investors’ constraints or needs. The main objective of this paper is to analyze the possibility of eliminating this shortcoming of the RA by including new types of financial instruments or generating different investment portfolios.

This study performs a bottleneck analysis of all activities related to the management of financial instruments to detect the most affected activities when incorporating new types of instruments. This study also presents a case study on including fixed-income bonds to increase RA personalization and proposes two types of investment portfolios to promote personalization.

The bottleneck analysis has allowed us to identify that “instrument data validation” and “order management” are the most affected activities if new types of instruments are incorporated. In addition, the liquidity level of financial instruments is a critical variable that must be integrated into an RA.

The results indicate the possibility of designing a new RA with a higher level of personalization. This study helps to understand the difficulties and opportunities when customizing an RA.

This study aims to develop cause-and-effect relationships among the critical success factors (CSFs) of fintech adoption and rank these CSFs based on their importance in the model.

To achieve the objectives of the study, the Fuzzy Decision-Making Trial and Evaluation Laboratory (FDEMATEL) approach was used. The data was collected from 16 experts using a questionnaire.

The findings demonstrated the interrelationships among the CSFs. In total, 16 critical factors were recognized as causal factors, and the remaining eight were considered effect factors. The CSFs were ranked based on their importance in fintech adoption.

This study is novel as it investigates CSFs of fintech adoption using FDEMATEL, and it contributes to understanding the nature of these factors and how they affect fintech adoption. The findings propose a significant basis to deepen fintech adoption and deliver a clue to design a practical framework for fintech adoption.

Most countries are progressing towards digitalisation of the citizen records. India too has progressed extensively in this regards. Different strategies and recent confinement during the pandemic have enabled accelerated the digitalisation to the extent that even the street vendors use digital and mobile payment systems. The objective of this chapter is to understand the progress of other countries through an academic review. It is clear from the different articles that the key indicator of the digitalisation is adoption; different countries are at different levels of adoption. India is on top of the list with 61 crore Permanent Account Number (PAN) cards, 8,840 crore digital transactions, 77.86 crore Aadhaar cards of the total population of 1,460 crore population.

The paper studies the relationship between central features of the capital structure and terminations of ESOP plans in the US.

The research methodology is primarily based on reviewing the existing literature and includes elements of original comparative analysis.

We find that externally imposed repurchase obligation, the stochastic element to repurchase obligation and the discontinuous vesting of ICA shares undermines the sustainability of employee ownership in the Employee Stock Ownership Plan model.

Strengthening employee-owned firm the structural architecture of employee-owned firms (EOF) can help to improve sustainability of the socially preferable alternative in the market economy.

In light of the increasing global interest in employee ownership, our research underscores the need for institutional learning to adapt EOFs to contemporary economic environments.

Strengthening employee-owned firm the structural architecture of employee-owned firms (EOF) can help to build the case for the socially preferrable business ownership model for the market economy.

This paper contributes to the employee ownership literature by providing understanding of the role of capital structure in the US ESOP model and terminations of ESOP plans and suggesting some novel ideas in addressing the challenges.

This paper aims to apply a socio-ecological systems framework to demonstrate that pastoral adaptation to climate change necessitates a comprehensive approach.

The authors evaluated the depth of knowledge regarding pastoral adaptation in Africa using bibliometric and content-based analyses.

The analysis of 40 eligible articles, conducted through R Studio, revealed a significant emphasis on climate change adaptation measures. However, there was a noticeable scarcity of research on the role of governance, policy and institutional interventions.

The scope of the research is limited to the African continent.

This research shed light on how inadequate governance structures and insufficient institutional support, particularly in terms of skills and capacity-building, hinder pastoral communities’ resilience. These limitations may potentially affect pastoral livelihoods adversely, with severe consequences for food security and poverty levels in Africa.

A comprehensive understanding of the challenges pastoralists face in Africa to adapt to climate change will assist in defining high-level policies and interventions to improve pastoral communities’ adaptation actions.

The study used the Preferred Reporting Items for Systematic Reviews and Meta-Analyses approach to ensure a thorough and systematic investigation. Furthermore, using an established framework and clearly defined methods will greatly aid in replicating the research.

A number of global crises, including financial crisis, global warming, climate change and the COVID-19 pandemic, have taken place over the past few decades. These have forced firms, the world over, to remodel their business processes to produce goods and services cost-effectively while retaining their competitive advantage and ensuring continuous improvement of organisational performance. To this end, frugal innovations, whose origins can be traced to India, are becoming increasingly prevalent in both developed and emerging economies due to their cost effectiveness. This chapter, therefore, explores how firms can deploy frugal disruptive technologies and modernised digital tools such as artificial intelligence (AI), social media, cloud computing, virtual reality (VR), augmented reality (AR), machine learning (ML) and robotics to create sustainable competitive advantage and improve organisational performance within the African context. These frugal disruptive technologies have made significant inroads in a number of developed economies bringing dynamism, efficiency, continuous quality improvement, speed, operational excellence and wider market reach in product and service delivery. Based on an analysis of the empirical evidence from the various case studies, it is concluded that the deployment of frugal disruptive technologies and modernised digital tools have a significant positive impact on firms' efforts to create sustainable competitive advantage and continuously improving their performance. The chapter ends by articulating some limitations and the implications for theory, policy and practice.

As the search engine platform, Baidu has already developed keyword advertising as one of its main business scopes, while in-feed advertising is emerging as another intelligent choice for the company. Our purpose is to validate the effectiveness of keyword and retargeted in-feed advertising on offline sales and whether the effectiveness of these two advertising strategies relies on keyword attributes work.

We utilize data from the ad campaigns of a prominent manufacturer within the machinery and equipment (hereinafter referred to as “the company”) on Baidu. To scrutinize the research hypotheses, we have employed linear regression models. Subsequently, we address potential endogeneity issues and use various techniques to ascertain the reliability of the results.

Empirical evidence indicates that both keyword and in-feed advertising enhance offline sales. Upon examining the moderating role of keyword attributes (specificity and length), we observe that specific keywords (price and word-of-mouth (WOM)) accelerate the boosting effect of advertising on sales; similarly, the longer the keywords, the more obvious the enhanced impact of advertising on sales. Moreover, the positive influence of specific keywords (price and WOM) on advertising effectiveness is more outstanding when the keywords are longer.

To our knowledge, no empirical investigation has yet to analyze keyword and retargeted in-feed advertising concurrently within the search engine context. Our research is the inaugural work to reveal that they serve as mutual substitutes regarding their impact on sales. Furthermore, this paper pioneers examining the moderating effects exerted by keyword attributes (specificity and length) on the effectiveness of these two ad types. The findings presented herein offer valuable insights into the harmonious coexistence and collaboration among companies, advertisers, users and search engine platforms.

This paper aims to draw attention to the global infringement of reproductive rights of Indigenous and racialised Peoples.

Narrative literature review. Description and comparative analysis of examples of forced sterilisation.

Large-scale sterilisation campaigns were identified in three different regions of the world: North America, Latin America and Europe. Within these, hundreds of thousands of Indigenous and racialised Peoples have been forcibly sterilised as part of state-sponsored procedures, predominantly aimed at women and gestating people. These abuses are continuing in the 21st century and have origins in “racial science” theory. The exact nature of the abuses is identified alongside the long-term health and wellbeing implications. Professional attitudes and behaviours that condoned such practices within healthcare settings are identified. The psychological, social and cultural impact of such practices, including on Indigenous body sovereignty and self-determination, are demonstrated.

These are twofold: firstly to eradicate any future practice of forced sterilisation and secondly to provide reparations to those affected.

The analysis brings together scholarship from Indigenous studies alongside that of health and social sciences.

This paper analyses Rwandan farmers’ perceptions of historical drivers of landscape vulnerability (past), current livelihood assets (present) and existing or potential capacities (future) to increase resilience to drought. The specific focus is on linking experiences from the past and present with ideas for a drought-resilient future. It explores how farmers' perceptions of past droughts and future visioning can contribute to rural development policy and multi-level collaborations.

This study was conducted in Bugesera, a drought-prone district in south-eastern Rwanda. Empirical data was collected through participatory observation, semi-structured interviews and focus groups. The analytical points of departure are based on sustainable landscapes and livelihood approaches, combining spatial and temporal perspectives on challenges and opportunities identified by farmers’ communities in addressing droughts.

All respondents had a high awareness of the impact of droughts. Perceived drivers of landscape change include historical climate events, such as droughts and floods, immigration and agricultural expansion, which have led to demographic pressure on land, deforestation and infringement on natural resources. Factors enhancing resilience capacities include access to diversified sources of livelihood, knowledge of appropriate irrigation techniques and availability of safety nets and credits. Furthermore, farmers identified collaborative opportunities as important for resilience capacity, including peer learning, and sharing best practices through knowledge exchange and on-field training. In addition, farmers brought up the need for innovative institutions that can facilitate access to markets and enable collaboration between different agricultural sectors.

This study analyses farmers’ perceptions of resilience capacities to droughts through a spatiotemporal lens of past droughts, present capital and future challenges by linking scales, knowledge and human–environment nexus. This paper contributes to the knowledge of climate adaptation in Rwanda and to discussions about smallholder farming in the literature on climate change adaptation.